New York nurses charged with forging Covid vaccine playing cards to earn greater than $1.5 million

Prosecutors said that officers obtained a ledger documenting profits in excess of $1.5 million from the alleged illegal activity.

Office of the District Attorney County of Suffolk

Two nurses on New York’s Long Island are being charged with forging Covid-19 vaccination cards and entering the fake jabs in the state’s database, a scam that allegedly raked in more than $1.5 million.

The Suffolk County District Attorney on Friday arrested Julie DeVuono, 49, the owner and operator of Wild Child Pediatric Healthcare in Amityville and her employee, Marissa Urraro, 44, according to a complaint.

From November 2021 to January 2022, the pair of allegedly forged vaccination cards, charging adults $220 apiece and $85 per child for a fake record that would land in the New York State Immunization Information System database. Prosecutors said that on one or more occasions, DeVuono and Urrano allegedly created records to indicate a vaccine was given to an undercover detective despite never administering the vaccine.

Julie DeVuono (L) and Marissa Urraro’s booking photos from the Suffolk County Police Dept. on Jan. 29th, 2022

Courtesy: Suffolk County Police Department.

“Forging COVID-19 vaccination cards and entering false information into the New York
State database used to track vaccination records puts the health and well-being of others at risk, and undermines efforts to slow the spread of the COVID-19 virus,” special agent Scott Lampert said in a statement announcing the charges.

During a search of DeVuono’s home, officials said officers seized roughly $900,000. They also allegedly found a ledger documenting profits from the scheme in excess of $1.5 million.

During a search of Julie DeVuono’s home, officials said officers seized roughly $900,000.

Office of the District Attorney County of Suffolk

DeVuono’s husband Derin DeVuono, who is a New York Police Department officer, is being investigated by the department’s Internal Affairs Bureau in terms of his possible involvement in his wife’s alleged scheme, sources told the New York Daily News.

DeVuono and Urraro are each being charged with one count of forgery in the second degree. DeVuono is also being charged with an additional count of offering a false instrument for filing in the first degree. The pair’s legal defense was not immediately clear.

Just a month ago, New York Gov. Kathy Hochul signed a bill into law criminalizing fake Covid-19 vaccination cards.

Tech, playing, alcohol helped NFL earn nearly $2 billion in sponsorships

The National Football League is nearing $2 billion in partnership fees, the most in professional sports.

Agreements from betting firms and technology companies helped the NFL lure a record $1.8 billion in sponsorship revenue, sports partnerships consultancy firm IEG told CNBC. The NFL’s figure is a 12% increase year-over-year from $1.62 billion it made in the 2020 season. It pulled $1.47 billion from sponsorships in the 2019 season.

Sports gambling companies, casinos, and lotteries saw the most significant spike in NFL sponsorship agreements. DraftKings, FanDuel, and Caesars became sportsbook partners in 2021 after the companies struck five-year pacts worth just under $1 billion combined. The NFL also landed secondary deals with BetMGM, WynnBet, FoxBet, and PointsBet.

Partnership deals with the NFL usually run from three to seven years and cost a minimum of $10 million per year for smaller companies. More prominent firms could pay more than $200 million per year.

FanDuel app

Andrew Harrer | Bloomberg | Getty Images

Verizon has one of the more prominent NFL deals and paid the league over $300 million annually. Last September, the communications company agreed to a new 10-year deal with the NFL and added 5G rights. But the new deal doesn’t include live streams of games, making it less valuable. That also means the NFL’s mobile rights are also up for grabs.

IEG’s estimates come days after the NFL produced one of its most memorable playoff weekends that included the thrilling overtime game between the Kansas City Chiefs and Buffalo Bills. That game Attracted over 42 million viewersthe highest divisional postseason game since 2017.

“It’s not coming from traditional places,” said Peter Laatz, IEG’s global managing director. “It’s coming from emerging categories. Not only are we seeing emerging talent on the field; we’re seeing emerging categories.”

Although gambling sponsorships saw the biggest increase in the NFL’s 2021 season, tech deals ranked first in absolute dollar figures for 2021, led by Microsoft. The tech giant has an on-the-field deal with the league, which uses Microsoft’s Surface tablet. That agreement is worth roughly $100 million per year, according to IEG data.

Gambling deals ranked second, and alcoholic beverage deals ranked third.

Last December, the NFL renewed its deal with Anheuser-Busch, which pays the NFL more than $250 million per year for beer and hard seltzer rights. The company lost control of hard alcohol rights, which Diageo took over for a reported $30 million per year.

The NFL put its wine and champagne rights up for auction but has yet to strike a partnership for that category.

“They’ve cut those categories (tech and alcohol) pretty fine,” said Laatz, calling the NFL’s sponsorship money a “runway revenue train.” He then projected the NFL would endure a “finer cutting of categories” in the future to grow deals in the US

NFL targets global revenue next

Although the NFL’s total sponsorship revenue increased significantly, the bulk of that growth went to league-wide sponsorships, which grew 23%. NFL clubs only took in 4% additional revenue in rights fees year-over-year.

To grow revenue streams for clubs, the NFL is taking a page from the National Basketball Association’s playbook and allowing teams to leverage international markets. Last month, the NFL permitted 18 teams to market their intellectual property in 26 territories, including Canada, Germany, Mexico and the United Kingdom.

But it could be a while before teams see real traction in that department.

There’s no doubt the NFL is dominant domestically, but American football isn’t a big draw overseas like the NBA. In addition, Canada and Australia already have established football leagues, so the NFL has serious competition.

Laatz said he’s “skeptical” of the NFL’s overseas plan, which the league labeled the “International Home Marketing Areas.” The NFL has tried to grow its product in London with its annual games, and Germany has shown interest in the NFL.

But those sporadic overseas games may not be enough to vault the NFL into international prominence loik the NBA.

“There’s a big difference between playing games internationally, which the NFL has clearly done, and having a prominent NFL footprint to grow the sport overseas,” Laatz said.

Still, to get a sense of the value a US-based sports club can earn from international deals: The Golden State Warriors – one of the most popular NBA teams abroad – agreed to a multi-year global rights sponsorship with crypto platform FTX for roughly $10 million total.

Laetz believes NFL teams’ deals could be even more lucrative.

A Bitcoin symbol on an advertisement at Mass Transit Railway station in Hong Kong, China, on Oct. 27, 2021.

Tyrone Siu | Reuters

Still waiting for crypto deals

Meanwhile, the NFL is taking a wait-and-see approach toward deals in the cryptocurrency space.

Last October, at the NFL’s owner meetings in New York, officials told CNBC that crypto-related deals are still being examined. Laatz called it the “sideline model” – as in, the NFL waits to see how other institutions maneuver.

“They’re careful about not getting into speculative arrangements that can cause backtracking,” said Laatz.

While the NFL stalls on crypto deals, companies are pouring millions into the NBA.

In addition to the FTX Warriors deal, crypto platform Coinbase agreed to a $192 million deal over four years with the NBA. On the team level, the Los Angeles Lakers landed a $700 million naming rights deal with Crypto.com. And the Portland Trail Blazers landed the NBA’s first crypto jersey patch deal.

Outside basketball, Major League Baseball added a crypto patch agreement for its umpires, and individual NFL players like Tom Brady are also striking crypto deals.

But Laetz says the delay won’t really matter, given the NFL’s ample revenue growth. “The thing they are leaving on the table right now is risk.”

Save Cash & Earn Rewards

Select’s editorial team works independently to review financial products and write articles that we believe will be useful to our readers. We may receive a commission when you click on links for products from our affiliate partners.

You know the feeling of shopping online and you’ve put all the items in your cart only to find that the total cost is much higher than you expected. Even if you may be baffled for a moment, you reluctantly decide to buy everything anyway because you need the new carpet and vase for your home.

If you find yourself faced with this scenario frequently and don’t want to take the time or effort to look for coupon codes, free coupon browser extensions are an easy way for consumers to automatically find coupons to redeem at the checkout.

Coupon browser extensions Work by searching the internet to find coupon codes or coupons to use when checking out. sweetheart is such a popular service that searches and tests coupon codes on 30,000+ websites. Roar, Choose walks you through using honey and some of the benefits it offers.

Honey rating

sweetheart

  • costs

  • Cashback

    Yes, in the form of Honey Gold points.

  • Coupon codes

  • price comparison

  • App

  • Works with in-store purchases

  • Welcome bonus

  • How to redeem your savings

    Redeem Honey Gold points for gift cards.

advantages

  • Offers from over 30,000 participating retailers

disadvantage

  • Redemption of rewards is limited to gift cards
  • You can’t use the app to save to the store

How to use it

Honey is a completely free service. You have the option of logging in with your email address, which gives you access to Honey Gold, the rewards program. Honey Gold is also integrated with Google, Facebook, PayPal, and Apple, so you can sign in with any of these accounts as well.

Honey is available both as an app and as a browser extension that works with Chrome, Firefox, Safari, Opera, and Edge.

To use Honey on your computer, you need to download the browser extension. Once downloaded, it should appear on the top toolbar and you can use it when you checkout in an online store. Honey will automatically search for codes that apply to your purchase.

With the Honey app, you can browse the top coupons to find deals and earn Honey Rewards on your purchases at specific retailers. When you shop through the app on a merchant’s website, there is a toolbar at the bottom of the app that shows you all of the promotional codes available. Honey will then automatically test these codes and apply them at the checkout.

safety

Browser extensions work by reading and modifying data on websites and returning that information to the developers. So when you sign up for one, you consent to certain data being collected about how and when you use the browser extension.

Honey promises it will not sell or share customer data without their permission, however, collects information about your device, your use of Honey, and information on retail websites.

Users don’t need to enter sensitive personal information like their credit card number to sign up for Honey or Honey Gold. It also doesn’t look at your search engine history, email, or non-retail website browsing.

advantages

Honey offers a free rewards program for all users known as Honey Gold. With Honey Gold, users can earn rewards for completing more than 5,500 dealers like Home Depot, Apple and Microsoft. You can then redeem gift card rewards at merchants such as Chipotle, Sephora and Nordstrom.

Honey Gold works by collecting a commission from affiliate businesses. When consumers use Honey in eligible purchases in partner stores, Honey receives a cut and a portion of that money is returned to consumers through Honey Gold.

Honey Gold Awards can only be earned on eligible purchases, so you may not earn awards on all of your items that you order. And it can take you a while to earn enough to redeem a gift card. You need $ 1,000 worth of Honey Gold before you can redeem the rewards for gift cards.

Honey also has price tracking functionality for items on Amazon, Macy’s, Target, and Walmart. You can save your articles on Honey droplist via the app or browser extension. You will be notified via email or app notification when a price drop is detected for the item. You can use Droplist to track the price of items over a 30, 60, 90, or 120 day period.

On Amazon, Honey also compares the same product from different vendors to help you find the cheapest option.

Availability and ratings

Honey is available as a web browser extension and as an app. You can download it from the Chrome Web Store, Microsoft Add-Ons, Firefox Browser Add-Ons, Opera Add-Ons, and Safari Add-Ons.

The app is available in the Apple App Store and the Google Play Store.

Rating on the Chrome Web Store at the time of writing: 4.0 out of 5 (over 165,000 reviews)

Rating on the App Store at the time of writing: 4.8 out of 5 (over 2,400 reviews)

Bottom line

Honey is an easy and free way to save money on your online purchases. While it is available as both an app and a browser extension, most consumers will likely find it easier to use the browser extension because they don’t have to use a separate app when shopping. All you have to do is click the honey icon on your top toolbar to see if it can save you money on your items before checking out online.

Whether you go for the app or the web extension, you can also earn Honey Gold which can be used to earn gift cards.

Our methodology

To determine which coupon browser extensions offer the best discounts, Select analyzed 10 programs. We compared each program on a number of features including:

  • costs
  • User experience
  • Money saving features
  • Customer reviews when available

The cost was the first feature we checked. The coupon browser extension had to be free to make our best of list.

All coupon browser extensions offer automatic coupons and some form of cashback, but those with even more money-saving features link price comparisons that rank higher.

Next, the extensions had to be easy to use and require minimal effort from consumers. After all, a coupon browser extension should save you both time and money.

Customer ratings were also taken into account.

Note to editors: Opinions, analyzes, reviews or recommendations expressed in this article are solely those of the Select editorial team and have not been reviewed, approved or otherwise endorsed by third parties.

Do not count on a 2011-style LSU protection, Ed Orgeron says, however count on an enchancment: ‘Make them earn it’ | Sports activities

THE ANGEL – Thirty years ago, while coaching the defensive line in Miami, Ed Orgeron helped oversee a defense with the same goal in every game: keeping the opposing team to less than 13 points.

Back then the idea was sensible.

Defense dominated football, and that’s how the Hurricanes often hit their targets. In 1991 they allowed 8.3 points per game, an undefeated season that ended in a national championship. Most of the points scored against her were 20 from Penn State.

But Orgeron has seen football develop firsthand. Offenses move in a hurry and score dozens of points. The defense tries not to play on their heels. He understands that the idea of ​​keeping another team at 13 points came at a different age.

“I don’t think that’s realistic these days,” Orgeron said. “Violations earn points.”

That’s part of what makes LSU’s season goal of improving defensively after a historically bad year so difficult. Orgeron wants the Tigers to eliminate explosive plays and keep opponents from scoring as many points – but what makes sense now given the attacking football?

Since Orgeron trained in Miami, college offenses have changed.

Quarterbacks below the center are a rare sight. There are hardly any huddles. Defenders have all but disappeared and have been replaced by extra-wide receivers.

LSU vs. UCLA: Our employees make their selection for the season opening competition of the Tigers vs. Bruins

The staff of the Advocate say the result of the season opening match with UCLA on …

Criminal offenses have evolved over the years. They implemented more vertical passes, used running quarterbacks, increased their pace between games, devised run-pass options, and spread out to stretch defenses across the field as they got more explosive.

“Everyone in college football is attacking the eyes of the defense right now,” said Georgia’s coach Kirby Smart, who served as the defensive coordinator for nine years. “

By and large, the defenses haven’t figured out how to counteract all of the changes.

In 2011, Alabama, the best defense in the country, allowed 8.2 points per game. LSU came second this year with 11.3 points per game. They met in the BCS title game.

Since then, Alabama’s lowest average score per game has been 11.9 in 2017.

But the Crimson Tide has also changed, the team is now defined by a spread offensive. Alabama finished outside of the top 10 in defense for the next three years. When winning the national championship last season, the Crimson Tide allowed 19.4 points per game.

The top three players to watch when LSU takes on UCLA in the Rose Bowl on Saturday night

LSU will play their season opener on Saturday night against UCLA at the Rose Bowl in Pasadena, Cal …

Orgeron knows how hard it is to stop crime these days, but the Tigers stayed well below their standards last year. The LSU gave up 34.9 points per game, had problems with communication and missed tasks under the then coordinator Bo Pelini.

After the LSU had reached the last place in the Football Bowl subdivision in the allowed yards per game (323), Orgeron replaced Pelini with coordinator Daronte Jones. Since joining the team, the players have said that he will connect better with them and wait for communication to fix one of LSU’s main problems last season.

“I have a feeling that this year this defense will be a lot better,” said Todd Harris, who was safe for the fifth year. “It’s easy. It’s easy. The boys can identify with it more easily. We can act fast. We can do plays.”

For his part, Orgeron hopes the simpler plan will help LSU eliminate explosive plays and the mental defects they cause.

The Tigers allowed 166 games of 10 yards or more last season, including 14 of 50 yards or more.

Orgeron believes that can improve.

He knows the defense can’t keep the teams down to 13 points or less in each game now, but he expects the LSU defense to play better. Football may have changed. He still doesn’t accept what happened last season.

“I want to take care of what we can take care of,” Orgeron said. “Eliminate the big moves, explosive moves. Eliminate the mental defects. And play defense. Run to the soccer ball, grab a hand and make them deserve it. “

South San ISD college students earn cash, study enterprise expertise on Lemonade Day

At Roy P. Benavidez Elementary School on Thursday, students looked for potential customers in the shade of an awning while checking their supplies of ice, cups, straws and Jumex juice. As soon as a car pulled into the parking lot, they excitedly announced the arrival of a customer and got into position.

Every student had a job. One filled the small plastic cups with ice while another poured the Hawaiian punch. Another student asked customers if they would prefer a slice of fresh lemon or strawberry in their drinks and added – for a San Antonio note – a dash of chamoy. The finishing touches were a brightly colored, flexible straw and a bottle of Jumex juice. The whole thing cost 4 dollars.

Benavidez Elementary was one of three campuses in the South San Antonio Independent School District that served elementary school students on Thursday as part of lemonade stands Lemonade day, a global youth entrepreneurship program that provides leadership and business skills. The 100 participating students are enrolled at the non-profit educational institution San Antonio Youth‘s Out-of-School Time summer program designed to encourage students to study outside of school.

“It was exciting because we could actually talk to people and sell them something,” said Elizabeth Otero, 10.

Elizabeth said she learned the importance of being kind and polite. Edileen Rocha, 9, said that she always smiled when speaking to a customer, and Sebastian Moreno, 11, said that he likes to talk to people and ask them what they want.

“I just love to help,” he says.

The three locations combined had sales of $ 1,000, and the students will decide how to spend the money, said Christina Casella, SA Youth’s chief development officer. They could split the money among themselves, pool the money to buy something or donate the dollars, or they could do a combination of giving and spending on their own.

At each location, students decided how to operate their booths, which helped them develop a sense of entrepreneurship and sharpen their decision-making skills, said David Goree, SA Youth’s primary school curriculum specialist. They chose what drink to serve and how to prepare it, and they set a price that they believed was fair for their work and that customers would pay. The SA youth workers tracked the money and the teachers helped put up signs to advertise the booths.

South San ISD students operate a lemonade stand outside Roy P. Benavidez Elementary School Thursday. Recognition: Bria Woods / San Antonio Report

Goree said it is important to let students make these decisions so they can understand the economic skills of price and cost, how to make a profit, and how to save money. He initially thought $ 4 was too expensive for a cup of Hawaiian Punch and Jumex juice, but no customer scoffed at the price.

“This is really the best way to learn to let kids make safe choices, and if it doesn’t work, let them adjust and try again,” he said.

During a customer interaction, Goree took a $ 20 bill from a woman who bought four cups worth $ 16. He turned to Ariana Méndez, 9, and asked how much change he should give back. She quickly replied, “$ 4.”

Not only does Ariana like math, but she also said that she enjoys serving customers on Thursday. She always introduced herself to people when they arrived, and when they left, thanked them for buying a drink and wished them good day.

“You have to be patient,” said Ariana. “Everything revolves around customers.”

Goree said the big takeaway he wanted to offer Lemonade Day students was “agency.”

“Children can do something important. You can do an event where people get something, ”he said. “It feels good to be able to do something that matters. Hope they enjoy making money too, but I think they just like serving. Often children stand on the sidelines or do something to amuse them. You’re actually doing something that matters. “

Why Ought to You Earn Much less Cash Simply As a result of Of The place You Stay? It is Time To Query Location-Based mostly Salaries

Working in New York City would pay more than someone living and doing the same in a cheaper US city … [+] job

getty

If you are great at what you do then why should you be forced to earn less than you are worth just because you live outside of a big city? Doesn’t it seem reasonable that a person should be paid for what they’re worth regardless of where they live?

Location-based salaries and allowances could emerge as the next big, hotly contested topic. Corporate executives have acknowledged that a percentage of their employees will move after being given the remote option. It makes sense that people who have left family and friends in suburbs and rural towns across the country who were not geographically conducive to working for a top tech company in Silicon Valley or Wall Street should return home. Many people move to a place they love or look for new and interesting places. Housing prices, school districts, security, weather, outdoor activities, and taxes also fit into the decision equation.

We see a gap between companies. Some pay people the same no matter where they live and others said they will change the compensation based on where they are new. Location-related salaries and remuneration are now being questioned and reassessed, given the success of the massive work-from-home or anywhere-remote trend.

Last week, cInet reported that Google was offering its employees the option to request office changes or apply to be fully remote workers Work location tool. “With our new hybrid workplace, more employees are thinking about where they live and how they work,” a Google spokeswoman said in a statement. “To better equip employees with the information they need to explore their options, we developed a tool that enables all employees to request a move to a new location or to go remotely.”

Sundar Pichai, CEO of Google and Alphabet, previously shared his vision of the search giant new hybrid return to work Plans via an internal Message from the chief executive officer to his employees. The program calls for roughly 60% of Google employees to meet in the office a few days a week, while another 20% work in new office locations, and 20% are expected to work remotely. He also addressed a point that Google employees may not take well: “Whether you choose to move to another office or choose to work completely remotely, your compensation will be adjusted based on your new location. “

A number of reputable companies such as Reddit, the freewheeling community and commented platform and Zillow, the online real estate website, informed employees that they could work anywhere and make as much money as if they were in expensive cities like New York or San Francisco. This trend could continue as other companies reasonably realize that this is a great way to attract and retain employees. Their policies challenge the long-held belief that where people live should determine what they deserve.

If this trend catches on, it will be a boon for workers. The prospect of not having to live near a job or applying for a job anywhere in the United States could transform one’s career. A person stuck in a region that does not have suitable jobs would have to settle for what is available. When companies are open to recruiting talent outside the big business centers, it opens up new opportunities for many Americans.

James Gorman, CEO of Morgan Stanley, has a tough stance on remote work. Gorman said of his plan to return to the office, according to the Financial Times: “if you can go to a restaurant in New York City, you can come to the office. ”To underscore his desire for employees to return to their respective offices, Gorman said he would be“ very disappointed ”if the workers had not found their way to the office by the September 6 holiday.

It was reported that it “gave a gloomy outlook to employees who did not work regularly in the office.” While some tech companies like Reddit and Zillow have been open to paying the people of Silicon Valley wages even as they move to cheaper locations, Gorman said:If you want paid New York plans, work in New York. ”

Reddit admits that a percentage of people can choose to move. If they so wish, the company will “support the move – and not adjust its compensation downwards”. In order to show its employees support, the company is “cleaning up geographical compensation zones in the USA”. Unlike other companies, this policy suggests that “The remuneration is tied to salary ranges in high-cost areas, such as [San Francisco] and [New York]regardless of where the employees live. ”

In a company-wide announcement, Dan Spaulding, Chief People Officer of Zillow, informed his 5,400 employees: “Effective immediately, we are offering approximately 90% of our employees the flexibility to work from home as an on-going option.” Spaulding said in the memo that Zillows “This allows them to work where they are most productive, be it in the office, at home, or a combination of both. ”Spaulding also said that according to the WSJ, a person’s compensation does not change when they move to a cheaper location. He continued, “Our old preferences were exposed during the pandemic.”

VMware – a California-based publicly traded software company that provides cloud computing and virtualization software and services – announced that employees who work remotely will receive a pay cut when they leave Silicon Valley to live in lower-cost cities . According to Bloomberg, “Employees who have worked at VMware headquarters in Palo Alto, California and are going to Denver, for example, has to accept a wage cut of 18%. Rich Lang, VMware’s senior vice president of human resources, offered a positive alternative. If a person moves and works remotely, they could “get a raise if they want to move to a bigger or more expensive city”.

A view of Main Street in Telluride during peak autumn color from the aspens with a mountain … [+] background

getty

Stripe, the fast growing fintech payments company, announced a different approach to compensation. To save on expensive real estate costs, Stripe said they will pay their workers $ 20,000 to leave New York City and San Francisco. As an incentive, employees would receive $ 20,000 for moving from high-priced cities to lower-cost locations. Sounds good right? Here’s the catch: the workers who accept the offer will have to cut their pay by 10%.

In May 2020, Facebook CEO Mark Zuckerberg followed in the footsteps of Jack Dorsey, the CEO of Twitter and Square, and also promised to give his employees the opportunity to continue working remotely. Zuckerberg said, “We’ll be the most advanced remote work company of our size.” Then he added ominously that employees will have to tell their bosses when they move to another location. According to Zuckerberg, those who move to cheaper cities are moving, “can adjust their remuneration to their new location adjusted. “He added,” We will then adjust the salary based on your location. This will have serious consequences for people who are not honest about this. “

It’s a one-way street for Zuckerberg. The door is now open to Facebook to seek talent in the US and other countries. It could end badly for workers. CEOs can find the best and cheapest job seekers across the country – and possibly worldwide. Facebook can find applicants who live in cheaper places and pay them less than they would work in San Francisco.

Known to be coworker-friendly and socially conscious, Dorsey has been open about his new ability to recruit people who don’t live near the commute. “We can get talent anywhere. There are a lot of people out there who don’t want to move to San Francisco. You feel comfortable working in a much smaller office or just at home. “

The downside is that job seekers face more competition. Until now, candidates have worried that other people in their immediate vicinity will be applying for the same positions. Now they have to deal with the crowd of applicants from all over the United States

This will work against people who live in expensive cities and earn higher salaries compared to their peers in other parts of the country. They can be passed over for jobs as the company can decide that a person who works at home in Montana has the same skills as someone in Chicago but gets a much lower salary. It will be difficult for employees to negotiate salary increases as management believes they could easily find a replacement elsewhere in the United States or overseas.

How A lot Cash YouTube Creators Earn: Actual Examples

  • YouTubers who participate in the affiliate program can monetize their videos with ads.
  • How much money different YouTubers make per video depends on various factors.
  • We spoke to dozens of YouTubers who shared with us how much money they made on YouTube.
  • Check out Insider’s business page for more stories.

This is the latest edition of YouTube money logs from insiderswhere creators break down how much they make.

YouTubers who participate in the YouTube Affiliate Program can earn money from their videos with their ads placed by Google.

To make money directly from YouTube, YouTubers must have at least 1,000 subscribers and 4,000 hours of viewing in the last year. Once they hit that threshold, they can apply for YouTube’s affiliate program, which allows YouTubers to start monetizing their channels through ads, subscriptions, and channel memberships.

YouTubers can make their money in a variety of ways, from sponsoring to selling merchandise.

But Google ad revenue makes up a huge chunk of the income of many YouTube stars.

Insider has spoken to dozens of YouTube creators about how much each of them per month, on videos with 100,000 or 1 million views, and other financial topics.

Here’s a comprehensive breakdown of Insider’s YouTube Money Logs series:

Many YouTubers make money from the ads that play on their videos and receive a monthly payout.

How much do YouTubers generally make per month?

Here is a full breakdown of our coverage:

For every 1,000 ad views, advertisers pay a certain price to YouTube. YouTube then takes 45% and the creator gets the rest.

Some topics, such as making money on YouTube, can often increase a YouTuber’s ad rate by attracting a lucrative audience.

How much do creators earn per 1,000 views (the so-called RPM rate)?

Here is a full breakdown of our coverage:

YouTubers often have no idea how much money they will make from a single video after uploading it to the platform.

Many YouTubers also try to avoid abusive or copyrighted music in their content, as these factors can increase the likelihood of a video being reported and dismantled by YouTube.

So if a YouTuber is doing everything right in the eyes of YouTube, how much can he earn at the top end?

We asked 17 YouTubers how much money they made from a single video.

Read the full post: YouTube stars reveal how much money they made from a single video

How much money a single 100,000-view YouTube video makes from ads placed by Google depends on the content of the video and the viewers.

How much money a video earns depends, among other things, on the playback time, the length and the video type.

Here is a full breakdown of our coverage:

Although making money on YouTube depends on a variety of factors, accumulating 1 million views can often earn a YouTuber a big payday.

Here is a full breakdown of our coverage:

Tips on how to Earn Cash as a Native Tour Information – NBC 7 San Diego

If you were asked to give someone a tour of San Diego, where would you take them? The beach? Balboa Park? A secret place?

That’s the idea behind a website that allows locals to act as tour guides in their cities. Tours by locals is a Canada-based company that connects travelers with private tour guides in more than 190 countries around the world, including San Diego.

For the past four years, Marcus Peoples has shared his favorite San Diego spots with travelers.

“I take families, I take individuals,” said Peoples. “There is something about being with a local person. You know all the pros and cons. They know where to eat. You lived here. They know about secret places. “

Sara Cooke with Tours By Locals said that some people prefer to skip the large tour groups and personalize their travel experience.

“They love to go at their own pace,” said Cooke. “They love to be able to stay longer if they enjoy it, or they leave a place when they are not interested.”

Tourists can choose the tour guide they want to hire and they can follow the guide’s suggestions or help create their own tour.

Would you like to become a guide? Tours By Locals told us that they are picky about who to choose.

“They tell us a little bit about themselves, their background, they share some testimonials with us,” said Cooke. “They tell us what kind of tours they want to do. They then go through a video interview process. ”

The company said it is checking references and the guides are going through a background check.

Tours can last half a day or full day, and the guide often drives visitors in the guide’s vehicle. The price for a tour can range from $ 300 to $ 600.

For peoples, it’s a fun way to make money and celebrate the city they love.

“You get what San Diego really is like and how it’s being released now,” said Peoples.

Maxing Out Your 401(ok) May Earn You This A lot Cash Over Your Profession

A 401 (k) can be a valuable resource in your retirement strategy. If you consistently make the most of the benefits, your golden years should get off to a good start. In 2021, people whose employers offer such accounts can contribute up to $ 19,500.

The government has gradually increased the annual 401 (k) contribution limit over the years, and it is likely that it will continue to do so. However, if that stays the same, you can amass so much over time by maximizing your contributions to this tax-privileged retirement account, assuming a maximum individual contribution of $ 19,500 in 2021.

Image source: Getty Images

How it could grow

If you’ve routed as much as you are legally allowed to add to your 401 (k) for 30 years, and your investments are generating an average annual return of 7%, your balance at the end of that period will be $ 1,970,924.

Annualized at 8% ReturnThat would grow to $ 2,385,744 and hit $ 2,897,217 on a return of 9%. An average return of 10% would earn you $ 3,528,397.

Such returns are not unreasonable for investors. According to a model developed by the investment firm Vanguard, portfolios that consisted of 20% stocks and 80% bonds grew by an average of 7.2% per year between 1926 and 2020. By increasing the share exposure to 40%, the annual return was increased to 8.2%, by a share split from 60% / 40% to 9.1% and an aggressive share allocation of 100% achieved an average return of 10.1% . However, the higher the equity exposure in your portfolio, the higher the risk. Increase the percentage of stocks added to the number of years these average portfolios have depreciated and increase the extent of the losses in their worst years.

Risk tolerances

How well you understand financial risk depends on many factors. However, one of the most important points to consider is your time horizon – also known as when you plan to use the money invested. The closer you are to the day you will be making withdrawals from your retirement accounts, the less time you will have to recover from potential downturns Bear markets. If you invest your 401 (k) primarily in stocks later in life, you may be able to sell rundown stocks to pay your bills and save those losses.

To avoid this, investors nearing retirement can gradually increase the percentage of their assigned portfolios safer investments like bonds and reduce their equity exposure. However, the price for this reduced risk is likely to be a lower return on investment. It is important to incorporate this decreased growth into your long-term plan so that you don’t miss out on your financial goals.

When you can’t maximize your 401 (k) every year

Admittedly, hitting the annual contribution limit of 401 (k) every year is an unattainable goal for most people. Some of us may never achieve the financial flexibility to manage even once during our working lives.

However, doing this for as many years as possible can put yourself in a reasonably comfortable position in retirement.

For example, if you only start investing in retirement mid-way through your career and then maxing out your 401 (k) contribution for 20 years at an average return of 7%, you will end up with a portfolio worth a portfolio from 855,371 USD. At an 8% return, this would rise to $ 963,747. At an annualized return of 9% your balance would be $ 1,087,408, and at 10% your account would grow to $ 1,228,549.

Realistic age goals (and an important bonus)

Even if you can’t get the most out of your 401 (k), it’s a good idea to contribute for as many years as possible. Whatever you put aside is sure to make your financial situation better in retirement compared to not preparing at all. (Relying solely on social security is not a strategy that leads to a comfortable lifestyle.)

And as you probably already know, the majority of the 401 (k) are included Company match programs which correspond to your contributions up to a fixed percentage of your salary. For example, if you make $ 60,000 a year and your employer has a 4 percent dollar-for-dollar matching program, it will contribute up to $ 2,400 to your 401 (k) every year as long as you do the same . This means you could have a total of $ 4,800 in contributions for this year. If you do this every year for 30 years with an annualized return of 7%, you get a portfolio worth $ 485,152. At an 8% return this would increase to $ 587,260, at a 9% return you would have $ 713,161 and at 10% it would be $ 868,528.

Finally, there is one more benefit that these accounts have that can help you out if you are slow or late in starting your retirement preparations. Once you turn 50, the IRS can contribute an additional $ 6,500 to your 401 (k) each year. That can help compensate for years when you couldn’t save as much as you might want. If someone plans to retire at 67 and make this catch-up contribution every year, it will add $ 214,494 to their portfolio at an average return of 7%, $ 236,927 at 8%, and $ 261,959 at 9% and $ 289,895 at 10%.

Having access to a 401 (k) can be one of the best tools you have to invest in your retirement – even if you can’t maximize it every year. If you consistently deposit as much as you can into this tax-privileged account, it could become your greatest asset when you retire.

Earn As much as $2,000 Only for Saving Cash in a Roth IRA

The SavingsAlso known as Retirement Savings Contribution Credit, it is one of the most appetizing rewards for low- to middle-income taxpayers thinking about putting money in one Roth IRA.

If you qualify, this IRS benefit allows you to apply for credit of up to $ 1,000 (single applicants) or $ 2,000 (married couples filing together). This is a valuable addition to your tax return that will allow you to reduce or eliminate your tax burden entirely. It goes without saying that if you reduce your tax burden, you will have more money in your pockets.

Unfortunately, most of the people who fit the bill for this credit don’t even take advantage of it. Let’s break down the qualifications and how this loan can make the Roth IRA contributions that little bit more exciting.

Image source: Getty Images.

Get extra credit for saving

Saving towards retirement has never felt better. Every dollar you save in a Roth IRA can help you unlock a special surprise during tax time. Savings allow taxpayers at the lower end of the tax rate scale to apply the tax code in their favor by requesting 50%, 20% or 10% credit towards contributions to a qualifying retirement account.

Note that the saver’s balance is non-refundable. This means that you can reduce your tax burden to zero, but not beyond. You won’t get any Tax refund However, you could potentially wipe your tax bill away. Credits give you a dollar-for-dollar discount on the taxes you owe.

The concept of applying for a retirement savings tax credit is quite simple. However, the saver credit calculation table can be a bit daunting if you are unfamiliar with tax calculations. I’ll break that down later. The most important element of the equation is saving for retirement – even if you don’t qualify for the savings. For 2021, anyone under 50 can usually Contribute up to $ 6,000 to a Roth IRA.

Determine if you qualify

Here is the moment you’ve been waiting for: the proficiency test. If you answered no to the following questions and made contributions to your Roth IRA in the year you file your tax return, you have passed the first eligibility round.

  • Are you under 18
  • Are you a full time student?
  • Are you being claimed as dependent on someone else’s return?

Now is the time for the income test. Your loan will expire if you exceed certain income levels. However, if your Adjusted Gross Income exceeds the thresholds below, you’ve missed your 2021 savings shot:

  • $ 66,000 for married couples filing together
  • $ 49,500 for the head of household
  • $ 33,000 for all other enrollment levels

Calculate your balance

Let’s say you are married and earn $ 39,000 in 2021. Her spouse was unemployed and had no money. When you contribute $ 4,000 to a Roth IRA, you will receive 50% of your contribution based on your income and joint tax return. That means your total balance on your tax return for 2021 is $ 2,000.

The table below shows the 50%, 20% and 10% credit income ranges for each enrollment status.

2021 Saver’s Credit Rate and AGI eligibility based on enrollment status

recognition

Married filing together AGI

Head of household AGI

All other filers AGI

50% of your contribution

$ 0 to $ 39,500

$ 0 to $ 29,625

$ 0 to $ 19,750

20% of your contribution

$ 39,501 to $ 43,000

$ 29,626 to $ 32,250

$ 19,751 to $ 21,500

10% of your contribution

$ 43,001 to $ 66,000

$ 32,251 to $ 49,500

$ 21,501 to $ 33,000

Data source: IRS.

Don’t miss out on the benefits of the Roth IRA

Even if you don’t qualify for Saver’s Credit, contributing to a Roth IRA is still a good idea. You could have thousands of dollars or even one Million dollar jackpot Waiting for you when you retire.

The Roth IRA allows you to deposit money on which you have already paid taxes to fund the account. Then select assets of your choice and watch your investments grow tax-free. The power of compounding over decades can leave you a healthy nest egg, and you won’t have to give the IRS a dime of your money after you’re 59 1/2 years old.

When you claim the saver’s balance, the rewards are even sweeter. If a couple earns a $ 2,000 annual loan and contributes a total of $ 120,000 over two decades, that equates to a $ 40,000 loan and tax savings. It’s kind of like a couple depositing $ 80,000 in their retirement account and getting a big match from the government.